Where Documents relating to Crypto-collateralised Loans or Asset-backed Loans are made available to an individual (i.e. and not a corporate): That person must fall within the definition of Investment Professionals (as defined in the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the “Order”)). Individuals who do not have professional experience in matters relating to investments should not rely on it; and The Documents are exempt from the general restriction in section 21 of the Financial Services and Markets Act 2000 (the “Act”) on the communication of invitations or inducements to engage in investment activity on the ground that it is made only to persons to whom the document can legally be communicated under exemptions contained in the Order. The Documents have not been approved by an authorised person which, unless this exemption applies, would be required under section 21 of the Act. The information in the Documents may change at any time.

1. Important Distribution Notice

FOR DISTRIBUTION ONLY TO:

•Incorporated entities or sole traders borrowing wholly for business purposes that are Investment Professionals, self-certified High‑Net‑Worth Investors, or Restricted Investors
•Certified High‑Net‑Worth or Restricted Investor individuals
•Per‑se or elective Investment Professionals (individuals or businesses)

NOT FOR GENERAL RETAIL CLIENTS

2. High‑Risk Cryptoasset‑Backed Loan Warning

Do not enter into a crypto‑asset‑backed loan unless you are prepared to lose all of the cryptoassets you pledge as collateral. This is a high‑risk transaction, and you should not expect to be protected if something goes wrong. For the avoidance of doubt, the statutory warning appears because this promotion relates to cryptoassets used as collateral; the FCA classifies the cryptoassets themselves—not the lending agreement—as high‑risk investments for the purposes of the UK financial‑promotion rules.

3.Risk Summary

•Charges or fees may apply and reduce your net return.
•You could lose some or all of the cryptoassets pledged as collateral if their value falls and the lender liquidates them to cover the loan balance.
•Those lenders, whether regulated or not, will explain all terms, risks and regulatory protections (if any) directly to you.
•Any facilities denominated in, or secured on, digital assets may fall outside UK regulatory protection; you may have no recourse to the Financial Ombudsman Service or the Financial Services Compensation Scheme.
•Tax may be due and could change.
•Cryptoassets – and the collateral supporting the loan – are high‑volatility and can be hard to sell quickly.
•Complex lending structures can be difficult to understand.

4.Greengage Role and Regulatory Status

Greengage & Co. Limited is neither authorised nor registered by the Financial Conduct Authority and is not registered under the Money Laundering Regulations 2017. All contractual rights and obligations arise exclusively between the service provider and the client. Nothing in this document constitutes investment, tax, legal or credit advice. Recipients should obtain independent professional advice before proceeding.

Greengage acts solely as an introducer to selected third-party providers (including e-money account issuers, business-lending institutions, token-lending platforms, liquidity-rail operators and crypto-lending services). We do not hold client money, execute transactions, set product terms or provide credit or investment advice. All compliance, pre-contract disclosures and regulatory protections (including FSCS/FOS where applicable) are the responsibility of the third-party provider. Greengage may receive an introducer fee from any provider; further details are available on request. We make no representations or warranties regarding any third-party service and recommend you undertake your own independent due diligence.

Where introductions are made to providers of e-money accounts, digital payment platforms, or business liquidity infrastructure (including fiat and blockchain-based rails), Greengage does not operate or monitor any such facilities. All compliance obligations, terms of use, and risk disclosures remain the sole responsibility of the regulated provider.

Greengage may also, at the client’s request act as an introducer to:

a)Crypto lending institutions where the loan principal or repayment flows are settled in cryptoassets (e.g., BTC, ETH, USDT, USDC) or where digital assets form the underlying collateral for fiat-denominated loans. These introductions are strictly non-promotional and occur only at the client’s request. Greengage does not participate in the execution, settlement, or custody of such transactions. All counterparties operate under their own licensing and regulatory frameworks, and Greengage makes no representations regarding the regulatory classification, risk level, or enforceability of any such arrangements.

b)Institutional liquidity providers offering access to fiat or crypto liquidity rails. Greengage does not hold client funds or settle transactions on behalf of clients. All counterparties are introduced on a non-reliance basis and operate under their own licensing and risk frameworks.

c)Token-based or blockchain-enabled lending institutions, including DeFi-style solutions. These introductions are strictly non-promotional and are provided only at the client’s request. Greengage does not endorse, advise on, or intermediate any digital asset-related transaction.

d)Institutions offering access to asset-backed investment products, such as fractionalised mortgage loan tranches or structured fixed-income notes secured on real estate lending portfolios. These introductions are available only to qualifying individuals or professionals in accordance with the exemptions under the Financial Promotion Order 2005 (Articles 48, 49, or 50A). All introductions are made on a non-reliance, non-advisory, and non-promotional basis. Greengage does not assess, endorse, or intermediate these opportunities, and makes no representation as to their performance, structure, or regulatory status. Capital is at risk. Independent legal, tax, and investment advice is strongly recommended.

5.General Disclosures and Policies

•Greengage does not offer any monetary or non‑monetary incentives to invest or borrow (e.g. sign‑up bonuses, referral rewards).

•Complaints: If you are dissatisfied with our service, please contact compliance@greengage.co or write to Compliance Department, Greengage & Co. Limited, [address]. We will acknowledge your complaint within 5 business days and aim to resolve it within 8 weeks. Please note that the Financial Ombudsman Service does not apply to crypto‑related lending.

•No advice: Nothing in this document constitutes investment, tax, legal or credit advice. Recipients should obtain independent professional advice before proceeding.

•Tax disclaimer: Tax treatment depends on your individual circumstances and may change in the future.

•Past performance statement: Past performance is not a reliable indicator of future results.

•Conflicts of interest: Greengage and its staff may hold positions or interests in the products or collateral described. We maintain and operate an effective conflicts‑of‑interest policy which is available on request.

6.Lending and Investment Introductions for your Business

Finding the right counterparties for your business finance or investment activities can be complex. At Greengage, we take the time to understand your high‑level funding requirements and investment interests. Whether you are seeking traditional borrowing solutions such as short‑term working capital, or looking to provide capital to institutional lending platforms, or participate in structured loan investments, we may – at your request – introduce you to a variety of institutions with relevant offerings. Greengage does not advise on, issue, arrange, or intermediate any investment — including digital assets, tokenized products, or structured lending opportunities. All such introductions are provided strictly on a non-reliance, non-advisory, and non-promotional basis. Where appropriate, introductions to institutions offering tokenized or digital-asset-based products may be made. Such introductions do not constitute a financial promotion. Where DeFi-style lending protocols or blockchain-based lending solutions are introduced, these introductions are strictly non-promotional and do not imply any representation of regulatory status, risk level, or product suitability. Our service is available to incorporated entities and to sole traders or partnerships borrowing wholly for business purposes. It is not suitable for consumer lending. Where applicable, and in accordance with the exemptions under the Financial Promotion Order 2005 (Articles 48, 49, or 50A), Greengage may introduce qualifying individuals or professionals to relevant institutions, either at the client’s request or, where lawfully permitted, as part of a targeted communication to exempt persons. Such introductions are made strictly on a non-reliance, non-advisory, and non-promotional basis. For conventional commercial borrowing needs — such as working capital lines, invoice finance, or asset finance — Greengage can, with your consent, introduce you to FCA‑authorised lenders, credit brokers, or alternative service providers. These facilities are typically denominated in fiat currency and may or may not be regulated under the Consumer Credit Act 1974 or other applicable UK credit legislation, depending on the structure, nature of the product, or the regulatory permissions or jurisdiction of the service provider.

7.Cryptoasset‑backed Business Lending

For borrowers wishing to obtain liquidity secured on digital‑asset collateral, Greengage can introduce you—again with your explicit consent—to specialist crypto‑lending institutions. Crypto-collateralised Loan (loans against crypto coins) are typically collateralised with crypto currencies such as Bitcoin and Ethereum principally.

Such facilities are currently unregulated in the United Kingdom. You may transfer legal and beneficial ownership of the cryptoassets to the lender, may rank only as an unsecured creditor if the lender becomes insolvent, and have no recourse to the Financial Ombudsman Service or the Financial Services Compensation Scheme.

Collateral liquidation can occur if the value of the pledged assets falls below agreed thresholds. You must be prepared to lose the entire cryptoasset collateral.

Additional Risk Considerations Relating to Cryptoasset-backed Lending

•Loss of ownership of cryptoassets: to enter a crypto‑backed loan you transfer legal and beneficial title to the service provider; if it becomes insolvent you rank as an unsecured creditor.

•Liquidity management: firms may reinvest or onward‑lend collateral, leaving insufficient liquid assets to meet liabilities during market stress.

•Counterparty risk: lending counterparties are often overseas or decentralised and may operate without effective risk‑management frameworks, increasing credit and liquidity risk.

•Consumer understanding: products are complex and returns attractive; borrowers may not grasp how crypto loans differ from staking or fiat credit, especially when transactions appear in fiat.

•Conflicts of interest involving platform tokens: some platforms issue their own tokens, which can be used to drive artificial demand and manipulate price to the detriment of clients.

8.General Notices and Warnings

Please be aware of the risks involved with any financial transaction done in any financial market (whether regulated or unregulated). When in doubt, you should consult a qualified financial advisor before making any investment and financial decisions. Greengage strongly recommends that each party conduct their own due diligence on any products or services introduced, particularly regarding the level of regulatory protection (if any). No warranties, assurances or guarantees are given by Greengage regarding legal or regulatory status of any third-party provider or the services that they offer.

Transactions should only be undertaken with risk capital; that is, funds that, if lost, would not adversely impact your business or lifestyle, or impair your ability to meet financial obligations. Under no circumstances should this document or any communication from Greengage be construed as a promise, guarantee, or warranty of outcome.

The material herein or provided to you is illustrative only. No representation is made that past outcomes, performance, rates, or examples are indicative of future results. No guarantees, assurances, or projections are provided, and recipients must rely solely on their own judgment and regulated professional advice before proceeding.

Greengage is not soliciting any action based upon its communication, including those on its website. Nothing in this document constitutes an offer, recommendation or solicitation of any kind. If in the future any cryptocurrencies, cryptocurrency-related products, or services are offered or sold, such offer or sale shall occur only pursuant to, and a decision to invest therein should be made solely on the basis of information provided by the person directly providing the relevant cryptocurrency, cryptocurrency-related product, or service. Any such information shall contain material information not contained in this document or any document(s) to which this notification attaches (together the “Documents”), and shall supplement, amend and / or supersede in its entirety the Documents referred to herein. Nothing in the Documents shall be considered an offer to sell, or a solicitation of an offer to buy, any cryptocurrency or cryptocurrency-related product to any person in any jurisdiction to whom or in which such offer, solicitation, or sale is unlawful. For the avoidance of doubt, it shall be entirely your own responsibility to confirm and decide which transaction to make.

This communication does not constitute an offer, solicitation, or investment recommendation. Greengage does not advise on or issue cryptocurrency, tokenized, or digital-asset investments. Where applicable, and at the client’s request, introductions to institutions offering cryptoasset or token-based lending may be made. Such introductions are not financial promotions and do not constitute endorsement.

All information that may be provided by Greengage should be independently verified and confirmed and is purely for guidance, informational and educational purposes. While the information contained in the Documents is believed to be accurate, Greengage expressly disclaims any and all liabilities for any representations, express or implied, with respect to the Document or any other written or oral communication to any interested party in the course of preparation of information concerning the purchase of any cryptocurrency(ies) or cryptocurrency -related product(s). Information contained in the Documents is based on present circumstances, intentions and beliefs and may require subsequent modifications. No responsibility or liability is accepted by Greengage or its affiliates towards any person for errors, misstatements, or omissions in the present draft documentation or, concerning any other such information or materials, for the adequacy, accuracy, completeness or reasonableness of such information. Greengage does not accept any liability for any loss or damage whatsoever caused in reliance upon any information provided.

The information provided is in no way guaranteed and no guarantee of any kind is implied or possible where projections of future conditions are attempted. Any generic market recommendations or observations provided by us are based solely on the judgment of our personnel and should be considered as such. You are notified and acknowledge that you enter into any transactions relying on your own judgment. Any opinions, news, research, analyses, prices, or other information is provided as general market commentary, and does not constitute an investment advice.

The Documents are for the exclusive use of the person to whom it has been delivered, are confidential, and may not be copied, distributed, or otherwise given or disclosed to any person. This Documents were prepared exclusively for information and discussion purposes only and to indicate preliminarily the feasibility of a possible cryptocurrency or cryptocurrency-related product purchase. The Documents are not meant to be, nor shall it be construed as, an attempt to define all terms and conditions of any transaction or to contain all information that is, or may be, material to a customer. No person has been authorised by Greengage to give any information, or to make any representation not contained in the Documents and, if given or made, any such information or representation may not be relied upon as having been authorised by Greengage or its affiliates.

9.Information Provided May Not Be Accurate or Complete and May Be Sourced from Third Parties

All information is provided “as is” without warranty of any kind. Greengage is not responsible for any errors or omissions in the information contained herein. Greengage is not responsible for information stated to be obtained or derived from third party sources or statistical services. Greengage makes no representation and disclaims all express, implied, and statutory warranties including warranties of accuracy, completeness, reliability, fitness for a particular purpose or merchantability of the information contained herein.

Greengage & Co. Limited is a private limited company registered in England and Wales (registered number 11904803), with its registered office at Painters’ Hall, 9 Little Trinity Lane, London, EC4V 2AD.

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